National Bank of Commerce: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Fed funds purchased and repos dropped 59.0% in Q2 2026, from $13.0M to $5.3M. It was the largest change from Q1 2026 among the key lines here. National Bank of Commerce ranks 59th of 153 Wisconsin banks on loan-to-deposit ratio, in the upper half at 92.87% (Q2 2026). National Bank of Commerce reported 92.87% on loan-to-deposit ratio for Q2 2026, 4.67 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $42.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $424.7M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $5.3M |
| Other borrowed money | $145.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.52% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.87% |
| Net loans and leases to deposits | 91.96% |
| Loans and leases to core deposits | 101.59% |
| Core deposits to total deposits | 76.35% |
| Brokered deposits to total deposits | 15.06% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 92.00% | 80.06% | $3.7M | $63.9M |
| Q4 2023 | 92.76% | 79.82% | $6.8M | $84.6M |
| Q1 2024 | 91.39% | 77.37% | $5.0M | $84.6M |
| Q2 2024 | 91.80% | 75.89% | $6.5M | $85.6M |
| Q3 2024 | 88.35% | 75.35% | $2.1M | $85.6M |
| Q4 2024 | 88.81% | 81.76% | $6.9M | $85.6M |
| Q1 2025 | 91.52% | 81.10% | $9.6M | $85.6M |
| Q2 2025 | 94.12% | 78.07% | $6.2M | $130.6M |
| Q3 2025 | 88.81% | 78.53% | $11.7M | $130.6M |
| Q4 2025 | 90.22% | 79.14% | $8.0M | $130.6M |
| Q1 2026 | 91.57% | 80.51% | $13.0M | $130.6M |
| Q2 2026 | 92.87% | 76.35% | $5.3M | $145.6M |
National Bank of Commerce liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock National Bank of Commerce, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full National Bank of Commerce profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14266) · FFIEC NIC profile (RSSD 775456)